Mortgage lending in Nicholas County, Kentucky
Lenders in Nicholas County, Kentucky reported 292 mortgage applications for 2025, according to the CFPB.
292 mortgage applications and 122 loans originated in 2025; the denial rate was 40.0% of 220 applications decided. The median loan was about $120,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Nicholas County, KY.
- 292
- Applications
- 122
- Loans originated
- 40.0%
- Denial rate
- 88 denied of 220 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 292 | 122 |
| 2024 | 255 | 125 |
| 2023 | 221 | 108 |
| 2022 | 268 | 115 |
| 2021 | 266 | 143 |
| 2020 | 254 | 133 |
| 2019 | 189 | 101 |
| 2018 | 186 | 92 |
The largest lenders here
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| White | 259 | 39.8% of 191 decided |
| Race Not Available | 33 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 246 | 39.7% of 184 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 41 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 108 | 37.6% of 85 decided |
| Female | 70 | no rate: base under 50 |
| Joint | 91 | 38.8% of 67 decided |
| Sex Not Available | 23 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2484 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved